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    • I have contested a parking ticket on Bradfield Rd car park in Sheffield i was only there in April for 39 minutes but got issued a ticket saying i was parked in permit holders space. Its normally free for 1hr 30. I have attempted to pay the original fine but it would seem there reference number is incorrect as it does not let me pay.  They have now sent letters demanding £160 and have passed the charge to a company called Zenith.  I have rang wrote etc but cannot get any form of coherent communication and am now worried as to what to do next any advice appreciated.
    • Hi caggers,  OH got a vanquis card, defaulted and made a last payment in July 2015. Since she gave me a heads up with threat letters for pre-court action, I fired off a CCA and got a response way after the prescribed time line (I can live with that).   They did send her a CCA and breakdown of spends. The problem I had with the CCA they sent her was it was pretty unreadable (I can post a copy) but it had her signature on there. I don't doubt the OH owes money but after speaking with her she cannot remember but didn't think it was as much as Lowell's are wanting to claim for as she only had a £500 limit and the amount they want is near £900.   I fired off an AID letter stating the CCA was illegible and at the same time sent a SAR to them specifically asking for a copy of the DN, Breakdown of charges and Interest and anything else they hold.   They come back acknowledging both letters but still asked what she her intentions are regarding the account with failure to do so possibly resulting in a claim form incurring costs.   They also said they will not send any further copies of the CCA as they've already compiled with the original CCA request.   Am I correct in thinking the CCA has to be legible and that this is grounds for the AID? I'm happy to come to an arrangement to clear the right amount owed but not some over inflated figure.   Thanks PM
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
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      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
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Rockwell Debt Collection Agency


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  • 1 month later...

i cant work out how to start a thread and need some help and advise 2 days ago i came home to find letters regardding debt from 2002 it is from intellegant finance a branch of halifax which has been sold to rockwell the letter is dated this year but tells me they bought the debt in 2005 there is also a letter on intellgieant finance letter head dated this year saying they sold the debt to another agency in 2005!!!! im confussed about what toi do think i made my last payment to them in 2003 however could not sware to this!!!!! and can recall no contact from them since 2004, i have today recieved another letter telling me i need to pay but do i??? are they not statue barred??? which letter do i post cos im not sure if they are statue barred!! if i send the letter asking for the credit agreement and they can produce it can i still set up installments as i cant afford to pay im a student with 2 kids and dont have 9K in the bank wish i did!!!

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i cant work out how to start a thread and need some help and advise 2 days ago i came home to find letters regardding debt from 2002 it is from intellegant finance a branch of halifax which has been sold to rockwell the letter is dated this year but tells me they bought the debt in 2005 there is also a letter on intellgieant finance letter head dated this year saying they sold the debt to another agency in 2005!!!! im confussed about what toi do think i made my last payment to them in 2003 however could not sware to this!!!!! and can recall no contact from them since 2004, i have today recieved another letter telling me i need to pay but do i??? are they not statue barred??? which letter do i post cos im not sure if they are statue barred!! if i send the letter asking for the credit agreement and they can produce it can i still set up installments as i cant afford to pay im a student with 2 kids and dont have 9K in the bank wish i did!!!

 

Admins:

 

Hi, I think this needs to be moved to a new thread -

 

However, this may be a new campaign by Rockwell's because I received exactly the same thing this week! The so called IF headed paper is nothing of the sort, it's just a mock up, done by Rockwell. I sent them the SB letter and they sent one back within 2 days saying that they were seeking further information from their client and would get back to me shortly.

 

I can't wait!

 

Has anyone else had a Rockwell/IF letter recently?

Eyes opened and back in control of my life thanks to this site x

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Any further updates on this phunkymonkey?

 

Yep, I sent them a letter as advised and within 2 days I had a grovelling apology from a managerial type which said that it was a clerical error and the person responsible had been reprimanded. I didn't believe that, but I have heard nothing since.

 

Thanks for all your help guys

 

:D

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  • 4 weeks later...

today i have recieved a reply to the SB letter they say that i contacted them in 2006 by phone and agreed to pay 10 per month i do not recall doing this, doesnt the SB letter say that it has to be in writting what can i do i made no offer in 2006 as i was in the stage of denial and ignored all my debts then i need help and advise!!!

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send them a sar and demand proof of payment or conversation

PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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is there a temp for this letter??? what should i expect back it says that notes on the screen can prove its me but how does that confirm that it was actually me they spoke to???

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send them a sar and demand proof of payment or conversation

 

 

what will doing this mean ????

 

can you explain what this will do im so fed up with it all"!!!!!:(

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by sending a sar you make them prove you either said you would pay or they have to prove you made a payment, without proof then it is still stat barred

PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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